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VA Home Loans

Circulars: VALERI

The following VA circulars are current policies and procedures for servicing VA loans.  Circulars are supplemental to the VA Home Loan regulations. 

2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013

2024

  • Circular 26-24-16 - Implementation Date for VA’s Home Retention Waterfall
    Download  
    August 8, 2024 | (Rescind Oct. 1, 2024)

  • Circular 26-24-12 (Change 1) - Loan Repayment Relief for Borrowers
    Download | Circular 26-24-12  
    Jun 21, 2024 | (Rescind Jan 1, 2025)

  • Circular 26-24-12 - Loan Repayment Relief for Borrowers
    Download  
    May 29, 2024 | (Rescind Jan. 1, 2025)

  • Circular 26-24-9 - New VA Form 26-10291 - Assumption Entitlement Acknowledgement
    Download  
    April 25, 2024 | (Valid until rescinded)

  • Circular 26-24-8 - Updates to VA Loan Modification Options
    Download  
    April 17, 2024 | (Valid until rescinded)

  • Circular 26-24-3 - Updates to Loan Repayment Relief for Borrowers Affected by COVID-19
    Download  
    February 9, 2024

  • Circular 26-24-2 - Updates to VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
    Download | Exhibit A  
    February 9, 2024

2023

  • Circular 26-23-25 - Loan Repayment Relief for Borrowers
    Download  
    November 30, 2023

  • Circular 26-23-16 (Change 1) - Special Relief Following Hawaii Wildfires
    Download  
    November 3, 2023

  • Circular 26-23-12 (Change 1) - VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
    Download  
    October 2, 2023

  • Circular 26-23-16 - Special Relief Following Hawaii Wildfires
    Download  
    August 18, 2023

  • Circular 26-23-12 - VA’s COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
    Download | Exhibit A  
    July 19, 2023

  • Circular 26-21-7 (Change 3) - Loan Repayment Relief for Borrowers Affected by COVID-19
    Download
    May 26, 2023

  • Circular 26-23-8 - Forbearance Timeframe Extension for Borrowers Affected by COVID-19
    Download
    April 21, 2023

2022

  • Circular 26-21-20 (Change 1) - Approving Forbearance Requests for Borrowers Affected by COVID-19
    Download
    September 15, 2022

  • Circular 26-21-17 (Change 1) - COVID-19 Veterans Assistance Partial Claim Payment Program
    Download
    August 10, 2022

  • Circular 26-21-7 (Change 2) - Loan Repayment Relief for Borrowers Affected by COVID-19
    Download
    February 28, 2022

  • Circular 26-22-1 - Special Relief Following Colorado Wildfires and Straight-Line Winds
    Download
    January 3, 2022

2021

  • Circular 26-21-27 - Property Inspection Requirements for COVID-19 Forbearance Cases
    Download
    December 21, 2021

  • Circular 26-21-23 - Special Relief Following Kentucky Severe Storms, Straight-Line Winds, Flooding and Tornadoes
    Download
    December 14, 2021

  • Circular 26-21-20 - Forbearance Timeframe Extension for Borrowers Affected by COVID-19
    Download
    September 29, 2021

  • Circular 26-21-19 - Loan Deferment as a COVID-19 Home Retention Option
    Download
    September 29, 2021

  • Circular 26-21-17 - COVID-19 Veterans Assistance Partial Claim Payment Program
    Download | Exhibit A
    September 14, 2021

  • Circular 26-21-16 - Special Relief Following Hurricane Ida
    Download
    September 8, 2021

  • Circular 26-21-14 - Extended Eviction Relief for Borrowers Affected by COVID-19
    Download
    July 30, 2021

  • Circular 26-21-13 - COVID-19 Home Retention Waterfall and COVID-19 Refund Modification
    Download | Exhibit A | Exhibit B
    July 23, 2021

  • Circular 26-21-10 - Relief for Borrowers Affected by COVID-19
    Download
    June 25, 2021

  • Circular 26-21-7 (Change 1) - Loan Repayment Relief for Borrowers Affected by COVID-19
    Download
    June 3, 2021

  • Circular 26-21-7 - Loan Repayment Relief for Borrowers Affected by COVID-19
    Download
    March 26, 2021

  • Circular 26-21-5 - Extended Foreclosure and Eviction Relief for Borrowers Affected by COVID-19
    Download
    February 16, 2021

  • Circular 26-21-4 - Approving Forbearance Requests for Veterans Affected by COVID-19
    Download
    February 16, 2021

  • Circular 26-21-2 - Extended Foreclosure and Eviction Relief for Borrowers Affected by COVID-19
    Download
    January 29, 2021

2020

  • Circular 26-20-40 - Extended Foreclosure and Eviction Relief
    Download
    December 28, 2020

  • Circular 26-20-39 - Transition to ServiceNow as Loan Guaranty Service’s (LGY) Unified Help Desk Tool
    Download
    November 17, 2020

  • Circular 26-20-33 - Deferment as a COVID-19 Loss Mitigation Option for CARES Act Forbearance Cases
    Download
    September 14, 2020

  • Circular 26-20-12 (Change 1) - Extended Relief Under the CARES Act for those Affected by COVID-19
    Download
    September 9, 2020

  • Circular 26-20-34 - Special Relief Following Hurricane Laura
    Download
    September 4, 2020

  • Circular 26-20-32 - Special Relief Following Severe Storms in Iowa
    Download
    August 27, 2020

  • Circular 26-20-31 - Special Relief Following California Wildfires
    Download
    August 27, 2020

  • Circular 26-20-30 - Extended Foreclosure Moratorium for Borrowers Affected by COVID-19
    Download
    August 24, 2020

  • Circular 26-20-29 - Extended Eviction Moratorium for Borrowers Affected by COVID-19
    Download
    August 24, 2020

  • Circular 26-20-28 - Interest Rate on Loan Modifications with a Trial Payment Plan
    Download
    August 13, 2020

  • Circular 26-20-23 - Extended Foreclosure Moratorium for Borrowers Affected by COVID-19
    Download
    June 18, 2020

  • Circular 26-20-22 - Extended Foreclosure Moratorium for Borrowers Affected by COVID-19
    Download
    June 17, 2020

  • Circular 26-20-21 - Property Inspection Requirements on CARES Act Forbearance Cases
    Download
    June 8, 2020

  • Circular 26-20-18 - Extended Foreclosure Moratorium for Borrowers Affected by COVID-19
    Download
    May 15, 2020

  • Circular 26-20-17 - New Reason for Default for those Affected by COVID-19
    Download
    April 29, 2020

  • Circular 26-18-5 (Change 1) - Department of Veterans Affairs (VA) Property Management and Servicing Contract
    Download
    April 20, 2020

  • Circular 26-18-3 (Change 1) - Department of Veterans Affairs (VA) Acceptance of Properties 
    Download
    April 20, 2020

  • Circular 26-20-12 - Extended Relief Under the CARES Act for those Affected by COVID-19
    Download
    April 9, 2020

  • Circular 26-20-8 - Foreclosure Moratorium for Borrowers Affected by COVID19
    Download
    March 18, 2020

  • Circular 26-20-7 - Special Relief for those Potentially Impacted by COVID-19
    Download
    March 16, 2020

  • Circular 26-20-5 - Special Relief Following Tennessee Severe Storms, Tornadoes, Straight-line Winds, and Flooding
    Download
    March 11, 2020

  • Circular 26-20-2 - Special Relief Following Puerto Rico Earthquakes
    Download
    January 23, 2020

2019

  • Circular 26-19-29 - Special Relief Following Tropical Storm Imelda
    Download
    November 8, 2019

  • Circular 26-19-25 (Change 1) - Transition from Veterans Information Portal (VIP) to LGY Hub
    Download
    October 11, 2019

  • Circular 26-19-27 - Special Relief Following Hurricane Dorian
    Download
    October 8, 2019

  • Circular 26-19-24 (Change 2) - Servicer Loss Mitigation Letters on Delinquent Loans
    Download
    September 25, 2019

  • Circular 26-19-25 - Transition from Veterans Information Portal (VIP) to LGY Hub
    Download
    September 19, 2019

  • Circular 26-19-24 (Change 1) - Servicer Loss Mitigation Letters on Delinquent Loans
    Download
    September 9, 2019

  • Circular 26-19-24 - Servicer Loss Mitigation Letters on Delinquent Loans
    Download
    August 19, 2019

  • Circular 26-19-21 - Special Relief Following Hurricane Barry
    Download
    July 30, 2019

  • Circular 26-19-16 - Special Relief Following Severe Storms and Flooding in Arkansas
    Download
    June 20, 2019

  • Circular 26-19-15 - Special Relief Following Severe Storms, Straight-line Winds, Tornadoes, and Flooding in Oklahoma
    Download
    June 18, 2019

  • Circular 26-19-14 - Special Relief Following Severe Storms and Tornadoes in Louisiana
    Download
    June 18, 2019

  • Circular 26-19-11 - Special Relief Following Floods in Nebraska
    Download
    April 8, 2019

  • Circular 26-19-10 - Special Relief Following Iowa Severe Storms and Flooding
    Download
    March 29, 2019

  • Circular 26-19-8 - Special Relief Following Alaska Earthquakes
    Download
    March 1, 2019

  • Circular 26-19-7 - Special Relief Following Alabama Severe Storms, Straight-line Winds and Tornadoes
    Download
    March 8, 2019

  • Circular 26-19-1 - Special Relief Following the Federal Government Shutdown
    Download
    January 8, 2019

  • Circular 26-17-39 (Change 2) - Updated Disaster Modification Guidance
    Download
    January 4, 2019

2018

  • Circular 26-15-30 (Change 2) - Title Documentation of HOA Matters in Florida
    Download
    December 19, 2018

  • Circular 26-18-26 - Special Relief Following California Wildfires
    Download
    November 15, 2018

  • Circular 26-18-25 - The Effect of Guaranty Claim Payments on Veteran Home Loan Entitlement
    Download
    October 30, 2018

  • Circular 26-18-23 - Special Relief Following Hurricane Michael
    Download
    October 15, 2018

  • Circular 26-18-18 - Special Relief Following Hurricane Florence
    Download
    September 18, 2018

  • Circular 26-18-17 - Special Relief Following Hurricane Lane
    Download
    August 30, 2018

  • Circular 26-18-16 - Special Relief Following Maine Severe Storm and Flooding
    Download
    June 14, 2018

  • Circular 26-16-14 (Change 1) - Title Requirements for Conveyance of Real Property
    Download
    June 11, 2018

  • Circular 26-18-11 - Change in Winterization Fee Policy
    Download
    May 16, 2018

  • Circular 26-18-10 - Special Relief Following Hawaii Volcanic Eruptions and Earthquakes
    Download
    May 16, 2018

  • Circular 26-18-9 - Special Relief Following North Carolina Tornado and Severe Storms
    Download
    May 14, 2018

  • Circular 26-18-8 - Special Relief Following Hawaii Severe Storms, Flooding, Landslides and Mudslides
    Download
    May 14, 2018

  • Circular 26-17-39 (Change 1) - Updated Disaster Modification Guidance
    Download
    May 8, 2018

  • Circular 26-15-18 (Change 2) - Paid in Full Notification of Loans Guaranteed for Repurchase Under the Provisions of 38 C.F.R. 36.4600 (VA Regulation 4600 Loans)
    Download
    March 20, 2018

  • Circular 26-17-23 (Change 2) - Special Relief Following Hurricane Harvey
    Download
    March 5, 2018

  • Circular 26-17-28 (Change 2) - Special Relief Following Hurricane Maria
    Download
    March 1, 2018

  • Circular 26-17-27 (Change 2) - Special Relief Following Hurricane Irma
    Download
    March 1, 2018

  • Circular 26-18-5 - Department of Veterans Affairs (VA) Property Management and Servicing Contract
    Download | Exhibit A | Exhibit B
    February 27, 2018

  • Circular 26-18-3 - Department of Veterans Affairs (VA) Acceptance of Properties
    Download
    February 23, 2018

  • Circular 26-15-9 (Change 1) - Servicer Statutory Redemption Procedure
    Download
    February 6, 2018

  • Circular 26-15-2 (Change 1) - Reconveyance Disputes Process
    Download
    February 6, 2018

2017

  • Circular 26-17-42 - Special Relief Following California Wildfires
    Download
    December 12, 2017

  • Circular 26-17-39 - Updated Disaster Modification Guidance
    Download
    November 27, 2017

  • Circular 26-17-38 - Updates to the VA Property Management and Servicing Contract
    Download
    November 27, 2017

  • Circular 26-17-28 - Change 1 - Special Relief Following Hurricane Maria
    Download
    October 23, 2017

  • Circular 26-17-27 - Change 1 - Special Relief Following Hurricane Irma
    Download
    October 23, 2017

  • Circular 26-17-23 - Change 1 - Special Relief Following Hurricane Harvey
    Download
    October 23, 2017

  • Circular 26-17-32 - Special Relief Following Wisconsin Severe Storms, Straight-line Winds, Flooding, Landslides and Mudslides
    Download
    October 18, 2017

  • Circular 26-17-31 - Special Relief Following California Wildfires
    Download
    October 13, 2017

  • Circular 26-17-30 - Special Relief Following Hurricane Nate
    Download
    October 13, 2017

  • Circular 26-17-28 - Special Relief Following Hurricane Maria
    Download
    September 27, 2017

  • Circular 26-15-25 - Change 1 - Compromise Sale Appraisal Requirements
    Download
    September 22, 2017

  • Circular 26-17-27 - Special Relief Following Hurricane Irma
    Download
    September 18, 2017

  • Circular 26-17-25 - Special Relief Following Iowa Severe Storms, Tornadoes, Straight-line Winds, and Flooding
    Download
    August 29, 2017

  • Circular 26-17-24 - Special Relief Following Idaho Flooding, Landslides, and Mudslides
    Download
    August 29, 2017

  • Circular 26-17-23 - Special Relief Following Hurricane Harvey
    Download
    August 29, 2017

  • Circular 26-17-22 - Special Relief Following Severe Flooding, Landslides, and Mudslides in West Virginia
    Download
    August 22, 2017

  • Circular 26-17-21 - Special Relief Following Nebraska Severe Storms, Tornados, and Straight-line Winds
    Download
    August 4, 2017

  • Circular 26-17-16 - Award of VA Property Management and Servicing Contract
    Download | Exhibit A
    June 29, 2017

  • Circular 26-17-10 - Department of Veterans Affairs Affordable Modification
    Download
    April 7, 2017

  • Circular 26-15-30 - Change 1 - Title Documentation of HOA Matters in Florida
    Download
    March 9, 2017

  • Circular 26-17-4 - Special Relief Following Severe Storms and Tornadoes in Georgia and Mississippi
    Download
    February 10, 2017

2016

  • Circular 26-16-31 - Special Relief Following Hurricane Matthew
    Download
    October 11, 2016

  • Circular 26-16-24 - Title Requirements for Manufactured or Mobile Home Conveyance
    Download
    September 9, 2016

  • Circular 26-16-23 - Special Relief Following Louisiana Severe Storms and Flooding
    Download
    August 17, 2016

  • Circular 26-16-22 - Special Relief Following a Natural Disaster
    Download
    August 1, 2016

  • Circular 26-15-16 - Change 1 - Auction Service for the Termination of VA Loans
    Download
    July 14, 2016

  • Circular 26-16-17 - Special Relief Following West Virginia Severe Storms, Flooding, Landslides and Mudslides
    Download
    June 28, 2016

  • Circular 26-16-14 - Title Requirements for Conveyance of Real Property
    Download | Exhibit A
    May 17, 2016

  • Circular 26-16-13 - Special Relief Following Louisiana and Texas Severe Storms and Flooding
    Download
    May 3, 2016

  • Circular 26-15-18 - Change 1 - Paid in Full Notification of Loans Guaranteed for Repurchase Under the Provisions of 38 CFR 36.4600 (VA Regulation 4600 Loans)
    Download
    March 29, 2016

  • Circular 26-16-6 - Special Relief Following State of Michigan Contaminated Water
    Download
    March 1, 2016

2015

  • Circular 26-15-30 - Title Documentation of HOA Matters in Florida
    Download
    November 16, 2015

  • Circular 26-15-25 - Compromise Sale Appraisal Requirements
    Download
    October 20, 2015

  • Circular 26-15-23 - Special Relief Following Southeast and Mid-Atlantic's Severe Storms
    Download
    October 5, 2015

  • Circular 26-15-22 - Release of the Department of Veterans Affairs Servicer Handbook, M26-4
    Download
    September 30, 2015

  • Circular 26-15-21 - Property Preservation Requirements and Fees
    Download
    September 30, 2015

  • Circular 26-15-18 - Paid in Full Notification of Loans Guaranteed for Repurchase Under the Provisions of 38 CFR 36.4600 (VA Regulation 4600 Loans)
    Download
    August 26, 2015

  • Circular 26-15-16 - Auction Service for the Termination of VA Loans
    Download
    July 1, 2015

  • Circular 26-15-15 - Special Relief Following Texas Severe Storms
    Download
    June 23, 2015

  • Circular 26-15-14 - Special Relief Following Oklahoma Severe Storms
    Download
    June 23, 2015

  • Circular 26-15-13 - Special Relief Following Typhoon Dolphin
    Download
    June 23, 2015

  • Circular 26-15-9 - Servicer Statutory Redemption Procedure
    Download
    May 18, 2015

  • Circular 26-15-2 - Reconveyance Disputes Process
    Download
    March 13, 2015

2014

  • Circular 26-14-32 - Centralization of LAPP and SAPP Programs
    Download
    October 9, 2014

  • Circular 26-14-31 - Requirements for the Transfer of Properties to VA
    Download
    October 9, 2014

2013

  • Circular 26-13-19 - Department of Veterans Affairs (VA) Acceptance of Properties
    Download
    September 27, 2013

  • Circular 26-13-12 - Principal Reduction Alternative (PRA) for Department of Veterans Affairs (VA) Loans
    Download
    June 28, 2013

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